Date Received: 2020-08-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My wife and I are victims of identity theft/fraud/misuse of our credit report. I have been with Fifth Third Bank/as a customer several years. I myself am 100 % XXXX XXXX XXXX. My wife is my XXXX. We had known the bank associate that initiated the issues w/our credit ; XXXX XXXX XXXX over 7 years. During the Covid19 shutdown, we could not enter the facility, yet my wife and I had spoken to XXXX over the phone during the end of XXXX into XX/XX/2020 with regards to our prior credit " pull '' of XX/XX/2020 [ with our own prior mortgage person-XXXX XXXX ]. XXXX was willing to look at the recent credit pull, and advise us of what we should do in order to get our credit repaired, to move in Fall/Winter 2020. NOONE advised XXXX XXXX we wanted a Mortgage loan with Fifth Third at this time. NOONE AUTHORIZED XXXX XXXX to utilize our personal information to obtain credit, pull credit, or give our information to any outside lender. PERIOD. In XX/XX/2020 we had learned that our personal information was Breached*, and XXXX XXXX obtained all our information against our wishes, in our files/ at FIFTH THIRD BANK, in order to provide information to an outside mortgage lender source [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Ohio XXXX ] ( not 5/3 Bank ). This was without our knowledge ; without our consent. We did not authorize this, and we, therefore, requested to FIFTH THIRD CORPORATE that this formal FRAUD REQUEST be attended to immediately. { CEO XXXX ) We also request that the bank take all appropriate steps to remove information about this account from OUR credit files to XXXX-XXXX and XXXX within those 7 business days by letter. My wife and I are currently taking close steps in trying to repair what was damaged with our credit due to this incident. Noone gave AXXXX XXXX any authorization of ANY kind, NO written NO verbal. She has NO CONSENT to pull credit to look at our personal information. Within days of this occurring with this employee, she denied all actions. Fifth Third Managers overseeing this employee were to have corrected the entire situation / help correct our credit, yet to date, NOTHING was done to justify her actions or to correct the fact she committed FRAUD. My wife and I have a copy of my credit report to date showing the fraudulent items related to both the employee/bank actions and that of Mr.XXXX that is the result of THIS identity theft/FRAUD. To date, we have yet to have our credit report cleared of these 2 inquiries and have not received the credit report that they pulled on my wife and I.
Company Response:
State: OH
Zip: 44011
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: List of names addresses and accounts are all in my credit report that isnt me I try calling to Get them remove was told I couldnt remove them bc they are associated with address and account that arent mines! I would like all the names and accounts investigate and removed from my credit report That doesnt belong to me XXXX XXXX
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Fifth third bank is not willing to delete escrow- requested to have an appraisal done. Was advised the appraisal request will be mailed to mailing address. The form was never mailed. Every-time I call to speak to someone about the appraisal form we are told it was mailed to you please wait 5-7 days. Initial request for appraisal XX/XX/2020 2nd request XX/XX/2020 3rd request XX/XX/2020- Spoke to another supervisor who stated - no appraisal form Was sent.
Company Response:
State: FL
Zip: 33325
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was offered mortgage loan forebearance so did not pay my XXXX and XX/XX/2020 payments, however in XXXX I paid for 3 months and have been current since. In fact I have never missed a mortgage payment in the past with any lender. I then applied with another mortgage company to refinance my loan to improve my rate and terms and when credit was pulled it showed late payments for XXXX and XXXX. This incorrect information has put my refi on hold, cost me appraisal extension fees, etc, and now I may lose my rate lock soon. I have made many calls in the last 2 months to 5/3 bank and while they agreed those payments should not have been shown as late, they have not updated their information so the credit scores are still depressed. They make lots of excuses and this is costing me time and money now for their admitted mistake.
Company Response:
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have mortgage account with 53rd bank ( Litigation department : XXXX XXXX XXXX ). In XXXX, XXXX I have requested forbearance program due to COVID-19. Soon I have recovered and financials and requested the cancellation of forbearance program in XXXX. Ans I have paid two payments on XXXX and I am current since then. Recently I am applying another mortgage and I have asked 53rd bank to issue the completion letter several times by calling in from XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX. They do not know even they have sent out the letter or not. Some agent in the bank said they have sent out. Also my new mortgage broker told me that 53rd bank did not report to Credit Bureau to remove the forbearance record which shows still my payment is " XXXX ''. The time is of essence because I have a deadline for new mortgage commitment date. I am in danger to loose my new mortgage loan opportunity if they take a action quickly.
Company Response:
State: NJ
Zip: 07631
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: XXXX bank has always stole money. Now charging overdrawn charges every week. They should be fined. If they would credit fraud charges XXXX pocketed I would not be overdrawn. Stop charges fees. Credit for fraud.
Company Response:
State: CA
Zip: 91711
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Last year, I was involved in an accident that negatively affected my ability to work and pay my bills. I exhausted my savings making sure I paid all bills on time until my savings ran out. That is when my credit payment history started to go down. I have rebounded and continued my good paying history and was advised to ask my lenders to do a good will removal of the late pays considering my payment history was excellent prior and returned to good standing. Many of my lenders honored my request. However, Fifth Third Bank and XXXX XXXX XXXX XXXX are only two stating the law requires them to reporting accurate information to the credit bureaus. This is true. However, the law also gives lenders the discretion to remove the late pays without prejudice. The couple late pays is not a good indication of my credit worthiness and that is what I have been trying to get them to accept. I had those accounts for over two years and only late 2 times due to the accident which affected my income. I feel the banks are intentionally denying my request so they can charge me higher interest rates and using that part of the law to justify their decision. I know the pandemic is going to negatively impact many people credit worthiness so the XXXX scoring model is preparing to implement the " Resilency Index ''. This scoring model will focus more on people payment history and not the late pays that will get reported because of missed payments. Once this model is release my score will increase. However, I feel these two banks are being unreasonable and hiding behind a portion of the law that benefit them. Please help.
Company Response:
State: NC
Zip: 28214
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-08
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have experienced horrible service with Fifth Third Bank so far! I have called the bank 5 or 6 times for resolution. I have also sent secure messages. I was able to set up all my bill pays and make payments on XX/XX/2020. Since then I have been blocked. For days I was blocked from logging into XXXX on my computer. Now Im unable to receive text alerts, unable to transfer funds between my checking and savings, unable to send out bill payments do a security block popping up to protect me Customer service response? Your risk score is too high because you are a new customer and you keep doing things to raise your score like trying to transfer funds or using bill pay and logging in using your computer and your phone. Dont log into XXXX for a week! This will bring your risk score down. My response how will I pay my bills? No suggestion, no resolution at all.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2020-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I sent a transfer for XXXX from XXXX XXXX XXXX to 5/3 Bank on XX/XX/2020. XXXX XXXX reported that it was deposited today this afternoon. When I called to check my balance the deposit was not there. I want my transfer tracked because I never received it. And it never went into my account. Transfers on Friday happen very quickly. For some odd reason it is not there and is not showing up.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2020-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I contacted Fifth Third disputing the lengthy hold and also the fact the check had cleared and I could verify the funds had cleared and they stated there was nothing they could do and that funds would not be available for 7 business days. This is not acceptable since it is drawn on a local bank, plus the fact the funds had in fact cleared and there is proof of that, they apologized and said there was nothing they could do.
Company Response:
State: FL
Zip: 33596
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A